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View Prior Art for Claim 00010

Process for electronic payments using a virtual prepaid or credit card, comprising: sending payment instructions as electronic messages from a telecommunication terminal of the holder to a gateway of an authorization system server, checking the payment instructions by the server and, in response to a positive result of the checking, processing the instructions for controlling a payment procedure, and after the processing, transmitting electronic confirmation messages to a payee predetermined by the holder.

#451Digital Wallet Juggles Your Finances

Applies to Claims 1,10,20,24,6

Submitted by: Mark WebbinkLast updated: about 4 years ago

Title Gear Live

Description

A handheld Digital Wallet that dispenses with the need for cash, checks, or credit cards

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#453Validating a transaction with user voice authentication using wireless communications

Applies to Claims 10

Submitted by: Mark WebbinkLast updated: about 4 years ago

Patent/Application # 7286813

Description

The wireless interface receives user information, including a user speech sample and a user account code, from a wireless communication device over a wireless communication link. The transaction manager transfers the user speech sample and the user account code to a validation system.

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